Insurance Blogs: Five Reasons Why You Need to Follow Them

Either by choice or by force, either by previous experiences or seeing others, awareness among people about insurance is spreading. The majority of the people no longer believe that they don’t need insurance or it’s just a big hoax to eat up their money in the form of premiums. In creating this awareness, insurance blogs have played a major role. They educate masses on various aspects of insurance, policies, securities and coverage, benefits provided along with the policies, premium rates, comparisons, etc. Here is a list of informational services that insurance blogs provide to educate people.
1. Insurance Needs

Before getting any kind of insurance policy it is important to understand what kind you are in need of. These policies depend on a lot of metrics and should preferably be chosen to suit your financial expectations, insurance requirements and economic condition. For example, suppose you are getting car insurance; the provider company will verify your age, sex, driving license, driving history, the car’s condition, area you live in and more. A common person wouldn’t know all these and having a heads up about these information can help you gather all your documents for a hassle free registration and easy acquisition of the policy. Remember, insurance blogs are the ones that give you this heads up!

2. Insurance Agents

Though every insurance agent wouldn’t eye only for your commission and leave you in the middle of the street, it is well advised to choose the proper insurance agent. A good insurance agent will explain you about your policies and your available options face to face. Having an agent by your side is beneficial to find out the updates on your coverage and while making claims. But there are a lot of things insurance agents wouldn’t let you know about themselves. An agent or agency must have the license to run their establishment, authorized credentials, certified ratings, 24 hour helpline and an online claim filing provision. Again, having a heads up on choosing your agent is very essential and you know who is giving you this heads up too! Insurance blogs are not run by any agent or provider. They only aim at providing valuable, unbiased information to their readers.

3. Comparison

Though you might think you have the best insurance agent who takes a lot of personal interest in your policy and is completely dedicated to you, there might be some insider secrets that your agent wouldn’t let you know. Normally these agents are associated with a number of insurance provider companies and hence are well aware of a number of plans and policies. A good agent will let you know of any alternatives available if your current plan isn’t reaping you enough and will help you switch to another plan. Insurance blogs help you with the comparisons using their resources and expert team behind. This way you can confidently speak to your agent and get the right plans that you deserve.

4. Market Trends

Insurance is an integral part of the great economic system. Every time there is a rise or fall in the market, it is also affecting your policy. Insurance blogs constantly update the masses on the various market trends and predict how inflation or any other market scenario would reflect on their coverage. Your insurance agent will only know things about insurance and will refer the same insurance blogs to learn the recent market trends!

5. Feedback

These blogs are run or guided by experts in the insurance industry. Generally, a lot of these blogs have frequently asked questions (FAQ) sections and experts will answer your doubts and queries free of cost. If you are too hesitant to pose a question, you can just follow the recent posts in the section and get your questions answered.

Not knowing about insurance could be your biggest weakness and your agent’s biggest strength, to take you on a ride! Being aware of the recent developments and basics of one’s coverage can equip people to take responsibility of their policy. And insurance blogs are silently doing their job of educating people in this regard expecting nothing much in return!

Common Health Insurance Terms Made Easy

Finding health insurance seems like it gets more and more complicated every year. There are many unfamiliar terms that make it hard for the average person to understand what’s covered and what’s not under the plans they’re considering. Much of the time, plans differ by the level of the deductible and the amount of copay or coinsurance that customers have to pay. Here is an explanation of those terms for a better understanding of exactly what you’re buying.
- Deductible. This is the amount you owe for services your plan covers before the insurance company will pay a claim. For example, if your deductible is $1,000, you will have to pay that amount before your coverage kicks in. However, it doesn’t apply to all services, which means that some things, like preventative care or doctor’s visits, may be covered before you’ve reached that $1,000 mark.

- Copayment (COP) vs. coinsurance (COI). COP and COI are two ways that health insurance companies can share the cost of the services with the patient. While they both have the same purpose, they’re a little bit different. COP is a fixed amount that you pay whenever you get a specific service. For example, a visit to your primary care doctor will cost you $20 every time you go. You may also pay $10 for each generic prescription that you have filled. COI, on the other hand, is a percentage of the cost of the service rather than a fixed number. For example, with COI, you will be charged 20% of the cost of the visit if you see your primary care doctor, and the cost of the visit will vary depending on the nature of the treatment during that visit. Likewise, for a generic drug, you would pay a fixed percentage that would vary by the drug’s cost and its tier. Most companies negotiate discounted rates with physicians and pharmacies, which means that you’re usually responsible for a percentage of that discounted rate.

- Prescription drugs. The difference between COP and COI can be confusing when it comes to pharmaceuticals because of the different drug tiers. Each health insurance plan will come with a drug formulary to help you understand what you’ll be paying for in that area specifically.

While these health insurance terms can be confusing, it’s important to know what you’re buying before you buy it, and this product is no different. There have been many changes recently in the way we think about coverage, which means that many people have encountered terms and conditions that they may not necessarily understand. Each person is different, and their personal well-being and their required level of treatment and maintenance will be different as well, which is why it’s important that you choose the plan that best fits your needs. An understanding of the above terms is an important first step in this decision.

Everything You Needed to Know About Commercial Truck Insurance

If you own a business that requires transportation, you have probably already faced the dilemmas that commercial truck insurance poses. With a myriad of options available, it can sometimes be difficult to determine what combination of coverage is needed for your business. Furthermore, regulations for businesses vary from state to state. To make sure you have the coverage you need, it’s important to do your research and ask questions. Paying for coverage can be one of the biggest expenses a business faces.
The most basic type of commercial truck insurance is coverage for physical damage. These plans help ensure your vehicles, including the trailer, are protected in case of an accident. The price of this coverage depends on the value of your equipment. Depending on the agency, this could be anywhere from 5-10% of the value of your vehicle. In most areas, the law does not require purchasing this coverage. But, if you have financed your vehicle, the lienholder may require you to have it. In general, you will want to purchase coverage that will cover the accurate market value. This is because if the vehicle has an accident, the company will only cover for the value of the vehicle at the time of the accident.

Another essential type of insurance is primary auto liability. Federal law requires this kind of insurance. In order to drive any vehicles in the United States, you must purchase this kind of insurance. Even if you lease from a larger company, you must still invest in this kind of insurance. This insurance protects your company in case another individual is injured by a collision that involves one of your trucks.

Commercial truck insurance can become tricky when there are numerous owners for one vehicle, or when someone other than the truck driver owns the trailer. This can make it confusing as to who is liable in case of an accident. It is important to communicate clearly with any company you may lease trucks from or the companies you may be transporting goods for to determine what kind of insurance they have. Once you are aware of the policies they have, you can determine which policies and coverage you will need.

Cargo and warehouse coverage protect the freight that is in transit with your vehicle. There are a lot of very specific regulations that come along with this type of coverage. You will want to take a detailed look at these policies to determine what your needs are. Commercial truck insurance can be difficult to sort out, but if you do great research and ask lots of questions, you are sure to get a great deal.

Courier Work and Mental Health: Beating the Stigma

Society has come a long way in terms of how well we talk about and deal with mental health problems. But there’s still a long way to go, and too many people suffer in silence. What’s more, many factors can make the problem even worse for those doing courier work. Read on to find out how you or your colleagues may be at risk, and how to beat the stigma in a healthy and positive way.
Mental Health in the Industry

It’s easy enough to speak of mental health issues in the industry, but what evidence is there? A lot, as it turns out. Informed observers agree that psychological issues are especially difficult for drivers to talk about, with the Mental Health Foundation’s Chris O’Sullivan noting ‘widespread’ stigma in those who do courier work.

A recent survey by Mercedes-Benz Vans found that 56% of van drivers and owners believe there is a stigma attached to discussing mental health at work. Less than a quarter of managers report employees coming to them with issues – and the figure is even lower for male managers. Things are slightly more encouraging when we look at conversations that do happen, with over half of those who have talked about a colleague’s mental health problem with them saying they felt glad the colleague could confide in them. This at least suggests that starting a conversation is a good step, although a quarter felt uninformed and a fifth embarrassed in the same situation.

These statistics paint a worrying picture about mental health in courier work, especially as the job has so many elements that can put workers more at risk of problems.

Risk Factors

The level of understanding of mental health is improving among professionals as well as in society in general, and that extends to its causes. The link between stress and a variety of illnesses is increasingly well documented, and Mind’s Emma Mamo notes that people who drive for a living are far more likely to experience many of the things that can lead to stress. These include long working hours, working alone, lack of support and irregular sleeping and eating.

Drivers will recognise all of these as par for the course on the job. Spending a long time at the wheel is in the nature of courier work, and varying and inconsistent demand for services makes it especially difficult to establish strong routines.

What do I do?

The first and most important step is to do some research on what you’re feeling. Organisations like Mind provide a variety of materials tailored to various different jobs. At the same time, research doesn’t have to mean spending two hours staring at a computer screen. You can and should take the time to ‘check in’ with yourself – ask questions like how am I feeling, have I been eating right, have I been sleeping enough and so on.

Next, you should know that a problem shared is a problem halved. Mamo recommends not just speaking to friends and family when you’re struggling, but letting them know what warning signs to look out for. Research from Ford, meanwhile, suggests that taking a drive can help, as two thirds of those who do courier work said they were more comfortable talking to colleagues while behind the wheel.

All in all, mental health is something everyone struggles with at times. Past attitudes, that struggling made you crazy or even weak, are thankfully fading. The travel industry isn’t special, but drivers need to recognise when they’re at risk and look out for each other. Because the best way to beat the stigma is by sitting down and talking it through.